Visit wwww.wbl.com

• Funding in as little as as24 hours after approval

• No minimum credit score

• Prior bankruptcies, judgments &tax liens may be OK

• Loans for businesses with at least $400,000 in annual revenue

• Loans from $50,000 to $2,000,000

• Payment terms: Daily or Weekly

• Six months of business bankstatements, not financial statements,required on most loans

CollateralizedBusiness Loans.

“Yes, We do.”

Commercial

75% CLTV

Residential

75% CLTV

Land

50% CLTV

R e a l E s t a t e C o l l a t e r a l T y p e s A c c e p t e d

To learn what World Business Lenders can do to help you grow your business, give us a call today

at 800.432.9359 or visit www.wbl.com.

WBL 101 Hudson Street, 33rd Floor

Jersey City, NJ 07302

(even owner-occupied) up to up to up to

Frequently Asked Questions

How does the program work?

WBL makes available short-term small business loans for a term of 6 to 36 months. Approvals are based primarily on the

business’ revenue and not the owner’s personal credit score. All we need to start is a completed one-page application and the

most recent six months of business bank statements. WBL’s core program does not typically require tax returns, credit card

receipts, or business plans. In certain states, World Business Lenders makes capital available through business loans made by

Bank of Lake Mills, a Wisconsin state-chartered bank, member FDIC,

What are your interest rates and how are they determined?

Each applicant’s cash flow, payment history, and financial strength are considered to determine a risk-adjusted repayment plan

specific to that applicant. Payments are determined by factors such as the amount and consistency of the business’ cash flow,

the number of years the business has been in operation, the assets owned by the business, and the proposed use of funds.

What factors affect loan application approval?

The age of the business, as well as the revenue history, assets, and credit history of the business, among other factors, all

contribute to building a comprehensive profile of the applicant.

How are loans repaid?

WBL Loans are repaid through automatic deductions from the business’ bank account. Loans can be repaid either daily or

weekly (excluding weekends and holidays). WBL is one of the few alternative lenders enabling its borrowers to have options

when it comes to their repayment terms.

Will you check my personal finances?

Although the business’ asset-profile and cash-flow are our primary concern, we do review the business’ and owner’s credit

reports to identify current judgments, open bankruptcies, tax liens and other factors.

Do I need financial statements, tax returns or a business plan to qualify?

No. Unlike applying for an SBA loan at a bank, WBL does not typically require personal or business financial statements,

business plans, tax returns, credit card processing statements or financial projections. All we need to start is the completed

one-page application and copies of the business’ most recent 6 months of bank statements.

How much funding is available for my business?

The amount of funding provided is determined by the revenue and the risk profile your business. Funding ranges from $50,000

to $2,000,000.

What sets WBL apart?

WBL provides small businesses with the working capital they need when they need it. As a private and direct lender, we have

our own underwriting guidelines (different from the banks) by which we make funding decisions quickly. Where a bank may

deny a strong business based on the owner’s personal credit score, WBL looks at the overall health of the business.

Does WBL have a referral program?

Yes. WBL is committed to establishing mutually beneficial relationships with a variety of business partners. Please visit the

Referral Program page on our website at www.wbl.com.

Call 800.432.9359 NOW or visit us at www.wbl.com

to get the funding your business needs... FAST!